Search found 943 matches

by bayview
Sun May 28, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 73
Views: 2641

Re: Play Money for Spouse....

We started separate "play money" checking accounts early in our marriage. Probably 18 months in, not 18 years! $50/month each in our personal checking accounts. It could be used for personal expenses, clothes, dining out with friends, etc... no questions asked. It allowed my wife to "...
by bayview
Fri May 26, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 5302

Re: Should I drink or sell my Pappy 12 year?

You're a Scotch drinker. Do you also like bourbon? If yes, keep, save it for special occasions, and enjoy. If not, unload it. I'm a bourbon girl. Hate Scotch (ok, "whiskey"), and I'd have no clue what to do with a fancy brand. But if you enjoy bourbon, think about the occasional evening o...
by bayview
Fri May 26, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 5302

Re: Should I drink or sell my Pappy 12 year?

You're a Scotch drinker. Do you also like bourbon? If yes, keep, save it for special occasions, and enjoy. If not, unload it. I'm a bourbon girl. Hate Scotch (ok, "whiskey"), and I'd have no clue what to do with a fancy brand. But if you enjoy bourbon, think about the occasional evening ou...
by bayview
Fri May 26, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 49
Views: 3495

Re: Meeting with retirement guru, specializes in federal govt employees

I would want to hear any and all insights regarding the whacko withdrawal restrictions unique to the TSP. Any gossip about future changes would be interesting, but little more than that (gossip). For today's TSP investors nearing retirement: What's the best way to pull out X number of years worth of...
by bayview
Thu May 25, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 35
Views: 4018

Re: anyone ever live/living on a boat?

TimeRunner wrote:Oh the Humidity! :twisted:

I did think about that, along with all those windows.

I can tolerate anything if there's wind, but you don't want to be anywhere near me if it's humid and still!
by bayview
Thu May 25, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 35
Views: 4018

Re: anyone ever live/living on a boat?

Is there such a thing as leasing a boat of this size for a season? I'm reminded of the frequent advice to those wanting to move at retirement to first rent for a year in their desired new town: find out if it's truly a good fit before buying. I think your plan sounds awesome, but I can also imagine ...
by bayview
Wed May 24, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Milestones (significant to me!)
Replies: 6
Views: 924

Re: Milestones (significant to me!)

Wonderful work!

Now that you're maxing, you'll see it really start to snowball. The growth won't look like much at first, but then it will really take off. :sharebeer
by bayview
Wed May 24, 2017 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Made 100k From Home Sale, Advice Wanted
Replies: 7
Views: 1018

Re: Made 100k From Home Sale, Advice Wanted

Pay off the car? 1.49% is not much more than the 1.3% in high yield savings. Just a thought.
by bayview
Tue May 23, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9742

Re: A Gem from Livesoft

Some of this is over my head but I'm trying. So I thought one of the reasons behind AA was that nearer to retirement, or in retirement, you tried to steer away from stock portfolio risks and lean more towards bonds. From what I have begun to read and understand of the chart it does not seem to be t...
by bayview
Mon May 22, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Question about buying bonds in Roth IRA
Replies: 7
Views: 415

Re: Question about buying bonds in Roth IRA

Skip the bonds this year. Once you've contributed enough that your bond AA is at least $1,000, you can add a bond fund then.

Don't kill yourself trying to get everything perfect, especially the first year or two.
by bayview
Sun May 21, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Advice for Endowment Investing Allocation - 3 fund?
Replies: 10
Views: 660

Re: Advice for Endowment Investing Allocation - 3 fund?

I doubt that you can find an equal weight index fund without outrageous fees. Stick with straightforward, easily-understood funds. I do think that 80/20 is too aggressive, even though it was in the original IPS. Interesting that the trustees want to ramp up the stock proportion now. Could it be rela...
by bayview
Sun May 21, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 20
Views: 1429

Re: Keeping credit score up

Is it even possible to maintain a credit score over 800 by only using credit cards which are fully paid monthly without a history of any other type of installment loans? This seems to be where I have been pegged for years. Yes it is, see my reply above. Most people who are in this situation either ...
by bayview
Sun May 21, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: We are organizing Special needs trust. Asset allocation?
Replies: 15
Views: 984

Re: We are organizing Special needs trust. Asset allocation?

...Also- and I'm still researching this- we are trying to figure out how we can downsize and throw some funds from a home sale towards his eventual needs. We wouldn't get a huge profit on our current home but we'd have lower maintenance costs.. Huge respect for you and what you're trying to do, but...
by bayview
Sun May 21, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum - Insured Parking Spot [for money]
Replies: 10
Views: 1238

Re: Lump Sum - Insured Parking Spot

I have to say that, due to the thread title, I was sure that this was a case of someone in a $$$$$ city who had an opportunity to purchase a parking spot for his/her car and was trying to decide if it was a wise use of money. :oops: :D (Those who haven't lived in big cities don't know how much of on...
by bayview
Sun May 21, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 1934

Re: Edward Jones vs Vanguard self managed

...He also told me about the "new fiduciary rules" that take effect on June 9th will cause me to not to be able to move around my fund balances within Vanguard if I were to do all the work with Vanguard myself. :shock: :shock: :shock: This goes beyond trying to convince clients that EJ is...
by bayview
Sun May 21, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 25
Views: 2313

Re: Investing FOR Retirement vs Investing IN Retirement

Perhaps address how to (or whether to) maintain retirement AA when converting Roths and taking RMDs. It took me a long time to stop thinking of RMDs as money that will be completely lost and instead think of whether the post-tax amount should go right back into the same AA or into some other critter...
by bayview
Sun May 21, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 20
Views: 1429

Re: Keeping credit score up

Yes, you are overdramatizing things. :D Anything in the 800's is great, worrying about 836 vs 820 is pointless. Also, where are you pulling your credit score(s)? FICO's, different reporting versions of FICO's, FAKO's, three main reporting agencies; these things can be all over the map. If you really...
by bayview
Sun May 21, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 62
Views: 6291

Re: We have a lot going on .... Input Requested.

Aim, Aim, Aim ........SHOOT! I've initiated the Vanguard paperwork yesterday to move the money from Advisor (using Schwab) to Vanguard and hope to have transfer completed in a few more days. I've read some of the Wiki's, The Little Book of Common Sense Investing , and All About Asset Allocation . I...
by bayview
Sat May 20, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5589

Re: Convince me to get back into stocks!

... 2) Jump in, but hedge your bets. Use a 50/50 stock/bond portfolio. This exposes you to the market so you're keeping up with inflation, but you're also wearing floaties so if the market drops, you won't experience the same volatility. After a 20% drop this AA will give you a better idea of your ...
by bayview
Sat May 20, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2381

Re: I'm having a freak-out moment (portfolio question)

... The reason for my freak out? I just read some articles about people younger than me having $1,000,000 or more in retirement accounts and my realizing that I'm nowhere near close to that number... You're reading click-bait. Stop doing that. :D The financial media and the finance industry benefit...
by bayview
Mon May 15, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: From selling to renting - what to do with proceeds?
Replies: 8
Views: 910

Re: From selling to renting - what to do with proceeds?

Think about a target retirement or similar fund. Once you pick the AA, the fund does all the work for you, and it helps avoid the OMG-ing involved in putting a chunk of money into the market. It also dials back the obsessive looking and second-guessing over the individual elements of the fund. After...
by bayview
Mon May 15, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2482

Re: Setting a periodic transfer / Dealing with a fiscal beggar

If they refuse to open an account, then I refuse to help. Sorry, but conceding to the demands of someone who is begging makes no sense to me. Worse, someone who is dodging unpaid taxes. The situation sucks, but family situations often suck. Note Bluebird looked attractive, but so many places don't ...
by bayview
Sun May 14, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: POAGX conversion [PRIMECAP Odyssey Aggressive Growth]
Replies: 6
Views: 565

Re: POAGX conversion

Welcome to Bogleheads!

You'll get more responses (less testy ones, too) if you'll edit your post to give the names in addition to the ticker symbols.

Otherwise, you're asking readers to go look them up.
by bayview
Sat May 13, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2482

Re: Setting a periodic transfer / Dealing with a fiscal beggar

bnes wrote:What options are there to provide, say, $2000/month in support to an relative who refuses to maintain a bank account?

If they refuse to open an account, then I refuse to help.

Sorry, but conceding to the demands of someone who is begging makes no sense to me.
by bayview
Sat May 13, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: UBS Fund Review: Your Thoughts?
Replies: 19
Views: 1150

Re: UBS Fund Review: Your Thoughts?

I haven't looked at recent data but historically the so-called house funds, managed by the brokerage houses themselves, tend to be the worst in the industry. With all the merger activity, this may have changed. This might also be an "incubator fund" that they have run internally for years...
by bayview
Sat May 13, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 3260

Re: Best way to hold Treasury Bills???

Treasury bills (or T-bills) mature in one year or less. Like zero-coupon bonds, they do not pay interest prior to maturity; instead they are sold at a discount of the par value to create a positive yield to maturity. https://en.wikipedia.org/wiki/United_States_Treasury_security#cite_note-Treasury_D...
by bayview
Fri May 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 18
Views: 1844

Re: edward jones guided solutions/grandfathered

I'm going to talk with my EJ advisor next week but if someone could explain this new fee based policy to me in easy, layman's terms so I'll know what questions to ask her I'd appreciate. I have 3 retirement accounts with EJ: a traditional IRA with about $170,000 in it and 2 Roths (one for me and on...
by bayview
Wed May 10, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Assisting Parents (82 and 78)
Replies: 17
Views: 1818

Re: Assisting Parents (82 and 78)

50% intermediate Treasuries (VFIUX, no ETF version), 50% total US stock (VTSAX/VTI.) Non-adventurous in either direction. It could shift to 40/60 or 60/40 if it helped them SWAN (sleep well at night.) I didn't look up the proposed ETFs that you listed. As others mentioned, it's wise to spell out fu...
by bayview
Wed May 10, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: LMP-2: Should you take the lump sum?
Replies: 26
Views: 2709

Re: LMP-2: Should you take the lump sum?

I've got access to TSP, so I'm setting up 20 years (moving to 25-30 years, but maybe not) in G fund. I'm going to rely on it to match/ slightly beat inflation, assuming that the congresscritters can keep their hands off of it. But it's the same idea as having a 20-30 year TIPS ladder. You wouldn't w...
by bayview
Wed May 10, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Assisting Parents (82 and 78)
Replies: 17
Views: 1818

Re: Assisting Parents (82 and 78)

50% intermediate Treasuries (VFIUX, no ETF version), 50% total US stock (VTSAX/VTI.) Non-adventurous in either direction. It could shift to 40/60 or 60/40 if it helped them SWAN (sleep well at night.) I didn't look up the proposed ETFs that you listed. As others mentioned, it's wise to spell out fun...
by bayview
Fri May 05, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: wife offered her bosses position, questions
Replies: 17
Views: 1212

Re: wife offered her bosses position, questions

I told my wife to get that in writing before accepting, sound reasonable? No. Not reasonable. It would come off sounding untrusting and paranoid not to mention the fact it would accomplish nothing. Second question, I'm very very very protective of my wife. I told my wife I'd like to talk to her bos...
by bayview
Thu May 04, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 8777

Re: have you accepted a lower cost lifestyle to retire early?

My DW and I are in our mid-40s, and thinking deeply about when we should give up a work life that allows healthy savings, but is taking a toll on body and mind. We live a modest but comfortable life (80k a year expenses) in an expensive large US metro area, and save $60k a year. Since our net savin...
by bayview
Thu May 04, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fee-only CFP in San Diego
Replies: 6
Views: 485

Re: Fee-only CFP in San Diego

If she feels she really needs someone to set the course for her but not sell her anything you can try the Garrett Network for a fee only (hrly) for advice and counsel only. Make sure she's clear that's all she seeks. Usually about $225 to $250 hour. We're getting ready to pull out in 1.5 years and ...
by bayview
Wed May 03, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 4365

Re: Banking in Marriage

I agree with Btenny. The number one cause of fights and divorce is money. Therefore I'd rather both husband and wife have their own account and agree how much each contributes to living expenses and the rest is their own business. That way there are none of those you spent how much on shoes and mak...
by bayview
Wed May 03, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 1674

Re: Mail Order Pharmacy for my Mom?

I would get her a locking mail box like the one shown below. My next door neighbor has a white locking box similar to the one shown below. The mail person puts the mail in the top slot and then your Mom can remove it from the locked hopper. But go ahead and start mail order now. It saves a lot of m...
by bayview
Tue May 02, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs CREF Equity Index
Replies: 61
Views: 3143

Re: TIAA Real Estate vs CREF Equity Index

Does the Green Street index still provide a useful early warning system for when the wheels are about to come off the bus?

Yes, I realize that this smacks of market timing, but the unusual nature of TREA plus the time lag seems to make the Green Street numbers a good heads-up.
by bayview
Tue May 02, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2700

Re: 401k administrator requiring net worth

I think this is part of the "know your customers" requirement that financial institutions are bound to follow (by government regulations and to prevent circulating drug money). You can't even walk into a new bank these days and open an account without them getting a sense of what kinds of...
by bayview
Tue May 02, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6939

Re: Does Retirement Planning impact your job performance?

How close to retirement did this syndrome kick in? I'm about 10 years away and still loving my job. There's always a fair amount of office politics but once I decided to take myself out of the executive competition game and instead focusing on delivering interesting projects, work got a lot more fu...
by bayview
Mon May 01, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7416

Re: Favorite Financial Indulgences

I'm not a shopper; bores me to tears, but:

--any kind of high-quality kitchen tool (Henckels Twin Pro S knives, Staub cookware)
--plants for the flower garden
by bayview
Sun Apr 30, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6939

Re: Does Retirement Planning impact your job performance?

How close to retirement did this syndrome kick in? I'm about 10 years away and still loving my job. There's always a fair amount of office politics but once I decided to take myself out of the executive competition game and instead focusing on delivering interesting projects, work got a lot more fu...
by bayview
Sun Apr 30, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6939

Re: Does Retirement Planning impact your job performance?

I am hopefully retiring in 5 years. I could do so now, but money would be tight. I dream at night of being laid up ff. What does that say? This is one of the saddest, most depressing threads we have read here at BH... Agree, pretty much, but it has helped me realize that I am close to becoming one ...
by bayview
Sun Apr 30, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: When to consider Long Term Care Insurance
Replies: 38
Views: 2797

Re: When to concider Long Term Care Insurance

I was shocked to find that the federal LTCI program does not qualify for partnership: Does coverage provided under the Federal Long Term Care Insurance Program (FLTCIP) qualify as a Partnership Program policy? No, not at this time. https://www.ltcfeds.com/help/faq/miscellaneous_partnership.html Does...
by bayview
Sat Apr 29, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Recent windfall... Insurance questions (Whole, Term, Disability)
Replies: 26
Views: 1584

Re: Recent windfall... Insurance questions (Whole, Term, Disability)

Sounds like you're seeing the light :D. An observation on "nice people" who work as financial advisors: Despite our cynicism here 8-), I don't think that all financial advisors are cold-blooded leeches who know exactly what they are doing. I believe that many have drunk the Kool-Aid and be...
by bayview
Thu Apr 27, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5648

Re: Vanguard New Lower ER .04%

VIMAX (mid cap index Admiral) also dropped, 0.08% to 0.06%.

Now if they'd just drop VFSVX/VSS! (FTSE all-world ex-US small cap)
by bayview
Thu Apr 27, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9803

Re: Vanguard has switched to brokerage only accounts

We have four accounts, his tIRA and rIRA and her tIRA and rIRA. When we opened his rIRA last year, it was a brokerage account. We called and asked that they make it under the original structure, and they did. We have no taxable accounts at VG. There are no "upgrade" buttons, or if there ar...
by bayview
Sun Apr 23, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 11058

Re: Single most important investing advice?

Save what you need to save. Spend what's left.

Not the reverse.
by bayview
Sun Apr 23, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?
Replies: 13
Views: 1408

Re: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?

There is a company/organization that provides statistics on 401k plans. I don't remember who they are off the top of my head. The thing that has always struck me is the percentage of participants that contribute enough to get the full match is not as high as you would think. I don't remember the ex...
by bayview
Fri Apr 21, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4227

Re: Article-Argument against Buffet and Bogle's International Advice

Yeah, I've never quite understood why "total markets" people would be satisfied with just the embedded international component of large U.S. companies, since that is not exactly representative of the total international market. It did feed into my decision to be only 40% international and...
by bayview
Tue Apr 18, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1503

Re: How to evaluate your Personal Rate of Return?

^I will say that individuals do not rebalance like fund managers, so maybe one could still improve. So, how do you recommend I find the delta and what can be done to improve it? Keep an investing diary and note your thoughts, emotions, reasoning, and comments about current events when you make tran...
by bayview
Tue Apr 18, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Anybody purposely loading up on mortgage debt?
Replies: 107
Views: 10351

Re: Anybody purposely loading up on mortgage debt?

Wow, I wondered why a poll was showing up! :shock: :D

Quite a necro-bump. Welcome to the forums!

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